First Area

193 CAMPBELL LN, Saginaw, MI 48609

NCUA Insured3.8 (13 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1961

Contact this credit union directly for detailed information about membership eligibility and current rates.

Membership Eligibility

Anyone who lives, works, or worships in or around Saginaw, MI may be eligible to join. Community credit unions are open to the general public within their service area.

Check eligibility on their website →

Verified Information

NCUA Insured — deposits protected up to $250,000

Member-Owned — not-for-profit cooperative

2 charter

Established in 1961

Contact this credit union directly for detailed information about membership eligibility, current rates, and services.

Services Offered

Auto LoansPersonal LoansChecking AccountsMortgagesBusiness Loans

Location & Directions

Address

193 CAMPBELL LN

Saginaw, MI 48609

Google Maps 🗺Waze

(989) 781-1430

Service Area

This credit union is located in Saginaw and serves members in the MI area. Currently serving 2,872 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

6.00%

Used Auto Loan

6.25%

Personal Loan

10.00%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in MI

Lowest rates currently reported by credit unions in MI (NCUA Q4 2025).

Michigan Legacy— New Auto Loan

Wyandotte, MI

2.19%

Awakon— Used Auto Loan

Onaway, MI

3.99%

International Uaw— Personal Loan

Detroit, MI

5.50%

Circle— Credit Card APR

Niles, MI

4.80%

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(2 total)

Member Reviews

3.8

13 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps

Chad Lalonde

6 months ago

I've had many problems with this credit union for years and they just keep getting worse. This was the last straw, did the direct deposit on friday, come monday after 5pm still dont have the money in my account.

Amber Boshaw

2 years ago

Doing business with this credit union for the sale of my home was the worst mistake I have ever made in my entire life time. If there was a hoop to jump through, we did it! It was a 2.5 month process and the banker we worked with had been doing mortgages for 30 years (would've thought 3 months)! My husband did absolutely ALL of the leg work right down to hunting down the township assessor after the banker let the process sit stagnant for almost 3 weeks without contacting the buyer or the seller. We had multiple closing dates set and the banker would set these dates and not tell us that the appointment was contingent on any new information, therefore they were canceled. In the meantime, we were trying to purchase another house that was indeed contingent on the sale of ours and was very time sensitive which essentially cost me thousands of dollars for nothing! When we got to the end of the deal ... the banker wanted to cut us a check for 25k on a 100k property because she originally told us 5k closing costs and was actually 15k. I would never ever recommend this credit union for a mortgage! You will do all the leg work yourself, nothing is done in a timely manner, and the communication between the bank-seller-& buyer is absolutely horrific!

Alex

4 years ago

I love this little credit union. You are a person not an account number. All the features of a big bank. You can use PayPal, venmo and other related apps. You can withdraw money fee free at any co-op atm. Great service friendly service.

Jim Theisen

11 years ago

I have been a member of First Area Credit Union since 1963. The reason I have stayed with them for nearly 50 years is the personal attention each member receives. Some business talk about "personal attention". These people live it.